No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BCBS NJ EIN 22-0999690 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $3.0M |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Direct payment from the plan; Claims processing; Plan Administrator Service code 12 | — | $294K |
| HORIZON HEALTHCARE DENTAL SERVICES EIN 22-3267136 NONE | Claims processing; Plan Administrator; Direct payment from the plan Service code 12 | — | $287K |
| SLEVIN & HART, P.C. EIN 52-1708613 NONE | Legal; Direct payment from the plan Service code 29 | — | $220K |
| FRANK VACARRO & ASSOCIATES, INC. EIN 23-2148108 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | — | $200K |
| UFCW LOCAL 1262 EIN 22-1339607 AFFILIATED LABOR ORG | Plan Administrator; Direct payment from the plan Service code 14 | — | $195K |
| VALUE OPTIONS INC. EIN 54-1414194 NONE | Plan Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $114K |
| BUCK CONSULTANTS LLC EIN 13-3954297 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $92K |
| VISION SERVICES PLAN EIN 06-1227840 NONE | Plan Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $48K |
| RJ DAVIS ASSOCIATES EIN 14-9409365 NONE | Finders' fees / placement fees; Insurance agents and brokers Service code 22 | — | $15K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-2432390 NONE | Direct payment from the plan; Investment management fees paid indirectly by plan; Investment advisory (plan) Service code 27 | — | $6K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 12,837 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 212 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,086 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 15,764 | $385K |
| Stop-loss / reinsurancereinsurance | HORIZON HEALTHCARE SERVICES | 7,164 | $6.7M |
| Other(3 contracts, 3 carriers) | GUIDEONE SPECIALTY MUTUAL INSURANCE COMPANY | 15,764 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,764 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.